HomeMortgage Lender In Tulsa, Oklahoma

Tulsa, Oklahoma

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Mortgage Broker Lenders Tulsa, Oklahoma

A guide to strengthening your mortgage application in Tulsa, Oklahoma

Is your financial situation less than ideal? To improve your chances of getting approved for a mortgage loan, you can take a few steps.

Get a Better Credit Score

You need a good credit score to qualify for a home loan. You can increase your borrowing options and lower rates if you improve your credit. To get started on the road to better credit, here are three easy steps.

  • Pay all your bills on time. Build a history of on-time payments to raise your credit score the easy way. Make sure you write down when your loan and credit card payments are due, and always pay the minimum amount.
  • Keep a close eye on your credit utilization. How much money do you charge each month to your credit cards? If you charge a lot, lenders may view you as a higher risk. You will see the largest increase in your credit score if you use less than 30% of your total available credit each month.
  • Get rid of your debt. The ability to pay off your debt shows that you have good financial management skills, and you don’t borrow more money than you can afford to repay. Prepare a plan to deal with your debt early and watch your score rise.

Reduce your DTI ratio

You’ll be a more appealing candidate for lenders if you lower your DTI ratio. The two ways to lower your DTI ratio are:

  • Spend less. All extra income should be used to reduce your debt and to downsize so that your living expenses are reduced.
  • Increase your income. Work toward earning more overtime on each of your checks. Ask for an increase at work, start a side business or take on a side project.

Both of these methods can significantly increase your chances of success with lenders, but neither is easy.

A Bigger down payment will allow you to get a better mortgage

Mortgage Lenders in Tulsa have to loan you less money if you make a larger down payment. Because you lose less money if you default, this makes your loan less risky for the lender. If you save for a larger down payment, you may become more attractive as a candidate for a loan and a lender and Mortgage Broker in Oklahoma may even be willing to accommodate you in other areas of the application. To do so, follow these tips:

  • Set a budget for savings. Decide how much you can afford to save each month after looking at your monthly budget. Don’t spend any of your down payment funds and keep them separate from your other savings.
  • Start a side business. There has never been an easier time to make extra money outside of your regular job than in the on-demand “gig” economy.
  • Find things you think you can sell and list them. Make a list of whatever you think you can sell around your house.

Discover the benefits of government loans

These loans come with insurance from the federal government and are backed by the government. In other words, if you default on your loan, the expert Mortgage Lenders in Tulsa are covered by the regulating body. It is less risky for lenders to lend money to applicants who qualify for government-backed loans. You must, however, meet specific criteria to qualify for government loans. A trusted Mortgage Broker in Oklahoma would willingly educate you about government loans, so you don’t have to worry about anything.

Government loans fall into three major categories:

  • USDA-insured loans: USDA loans are secured by the United States Department of Agriculture. You may be able to buy a home in a rural or suburban area with no money down if you qualify.
  • The Department of Veterans Affairs guarantees VA loans. With a VA loan, you can buy a home without a down payment.
  • Federal Housing Administration (FHA) loans are insured by the government. You can get an FHA loan with a low down payment of just 3.5% of your credit score and income to meet certain requirements.

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    Reviews

    I was able to get the best deal possible because my mortgage broker has been in business for many years and he knows the ins and outs of getting the great rates for my home loan.
    Muriel King
    Muriel King
    12:33 02 Dec 21
    My home loan application was urgent. There was no credit history and no collateral. I was introduced to this lender by my colleague, who gave me an instant loan without requiring any security. The entire process was much simpler than I anticipated, and requested very little paperwork!
    Jodi Cruz
    Jodi Cruz
    07:44 26 Nov 21
    We were recommended this company and we are totally satisfied with the services. They really helped us through the process, always responded to our questions very promptly, and were able to get us a better rate than we thought possible. Highly recommend!
    Katie Jordan
    Katie Jordan
    04:48 25 Nov 21
    The mortgage broker was so helpful and made it possible for me to get a loan with ease. I am grateful for their services and would recommend them to anyone who is interested in getting a loan.
    Raquel Russell
    Raquel Russell
    23:12 24 Nov 21
    A friend of mine recently referred me to the service of this company, and I am immensely grateful for that. The loan officer was very helpful in explaining each step of the process clearly. Thanks a lot!
    Lee Gonzalez
    Lee Gonzalez
    13:28 23 Nov 21
    I cannot thank the team of the best mortgage lenders enough for helping me with the whole process from beginning to end.
    Therese Jennings
    Therese Jennings
    11:48 18 Nov 21
    I would strongly recommend them as one of the best mortgage companies and from experience would consider their service to be superior to all the major banks.! The diversity of their products has assisted me to enjoy our current lifestyle.
    Rita Damard
    Rita Damard
    06:05 29 Oct 21
    I'm so pleased a friend recommended this mortgage company to me! It was extremely simple to obtain the home loan I required, and they were extremely accommodating throughout the process.
    Antonio Gonzalez
    Antonio Gonzalez
    07:51 28 Oct 21
    Throughout the process of obtaining a home loan, they were always available to answer any questions I had. They made getting a loan very easy and stress-free! I highly recommend this mortgage company to anyone looking for a mortgage.
    Cheryl Howell
    Cheryl Howell
    04:49 28 Oct 21
    This place is full of really helpful people. As far as loan procedures and formalities are concerned, they provide the best advice. My house was even reverse mortgaged by them.
    Ellis K. Jackson
    Ellis K. Jackson
    06:20 28 Sep 21
    Communication was excellent and the process was very nice. They are highly recommended for providing the best FHA loan services.
    Sean Ferraro
    Sean Ferraro
    09:29 24 Sep 21
    This is the second time I've applied for a home loan with the help of these mortgage lenders. With them, I've always had a good time. Thank you so much, guys, for your fantastic service!
    Roy J. Thompson
    Roy J. Thompson
    05:27 10 Sep 21
    My grand-dad wanted to buy a new house, so I had applied for a conventional loan. Nice and kind people working in this company. I also got things done with their assistance. You guys did an excellent job!
    Bradley Peterson
    Bradley Peterson
    11:50 30 Aug 21
    He was a pleasure to work with! It was a smooth process. Through the entire refinancing process, I felt I wasn't being taken advantage of in any way. It is highly recommended for anyone interested in obtaining a mortgage.
    Cory Greene
    Cory Greene
    09:17 28 Aug 21
    Thanks to them for their help in getting me a home loan. The staff was courteous and professional and handled everything with ease. Highly recommend them.
    Lucy Powell
    Lucy Powell
    11:54 18 Aug 21
    That was an awesome processing job. A dedicated loan officer was assigned to each phase instead of one busy loan officer. The home loan process went smoothly for me.
    Carrie Beck
    Carrie Beck
    11:43 11 Aug 21
    The moment I called them, all of my concerns vanished. They have made the process of applying for a home loan pleasant and educational. I appreciate your efforts.
    Fern Kelly
    Fern Kelly
    05:19 06 Aug 21
    My emails were answered timely. I had a good experience working with these amazing people.
    Grace Bishop
    Grace Bishop
    07:10 29 Jul 21
    Having experienced great service from these mortgage lenders for my last home loan, I already know where to turn. So, I want to use them again!!🤝
    Cordelia M.
    Cordelia M.
    09:06 21 Jul 21
    This mortgage company's support and assistance are second to none. Their customer service is outstanding and they are always available to answer all of your queries.
    Jaelynn Isai
    Jaelynn Isai
    04:38 17 Jul 21
    They provide a best loans service they kept inform us through the conventional loan process. This is thing which I like most if you’re looking for best company then you are on right place.
    Sanjuana Tuggle
    Sanjuana Tuggle
    21:40 12 Jul 21
    They are truly expert in mortgage service!!!! Their tips really helped me in improving my credit score.
    Mclaughlin Frame
    Mclaughlin Frame
    20:10 07 Jul 21
    They have been very helpful when I spoke to them about the conventional loan. They made arrangements quite swiftly and supported me with the best of advice in no time. Strongly recommended also if you want to find out what fits your needs best. Thanks!
    U. D. Cristian
    U. D. Cristian
    19:43 28 Jun 21
    Austin Good
    Austin Good
    21:38 25 Jun 21
    They helped me get an FHA loan and were really helpful. They were quick to answer my questions as I was not aware of the fundamentals of FHA loan. Thank you so much, you were really very helpful.
    Samantha Duncan
    Samantha Duncan
    06:30 19 May 21
    5 stars for customer service and what a useful service! Expect to prepare a LOT of paperwork in order to obtain funds, but I'd rather they do their homework than not. The company was very helpful in assisting me with my USDA loan application. These guys are truly amazing, and they put their customers first.
    Annie J. Pagan
    Annie J. Pagan
    16:09 29 Apr 21
    Very competent advice! All the facts were discussed immediately at the initial meeting. You can tell that job is fun Highly recommend PierPoint Mortgage!
    Mccoy Holland
    Mccoy Holland
    22:56 05 Apr 21
    The team was amazing and made buying a house feel not only possible but easy! There was always clear communication, speedy answers, and a wealth of knowledge. I highly recommend PierPoint Mortgage.
    Marilyn M. Harbor
    Marilyn M. Harbor
    18:42 01 Apr 21
    I had the pleasure of working with this team. The team was amazing and answered all our questions. They made our First home purchase seem so easy! Thank you PierPoint Mortgage for lending us an FHA loan.
    Giancarlo Ben
    Giancarlo Ben
    22:38 24 Mar 21
    Excellent customer service, very patient considering I am not the easiest person to work with. They got us an excellent rate and I am very appreciative. Thank You PierPoint Mortgage.
    Jayvion Braiden
    Jayvion Braiden
    15:26 22 Mar 21
    Absolutely professional, available anytime for queries, questions, and discussion about the best way. PierPoint Mortgage Options paved the way for our first home easily and quickly. We must recommend them.
    Steve Cabrera
    Steve Cabrera
    21:06 08 Mar 21
    Every question that we had they answered promptly and help to ease our uncertainty with such a huge financial decision. Thank you both for your time and your knowledge!!! Thank you PierPoint Mortgage.
    Sandra Flores
    Sandra Flores
    19:42 03 Mar 21
    Never seen a company that works with such responsibility. I was not sure of the documents required before the qualification of the conventional loan. People at PierPoint Mortgage helped with what documents were required for the qualification of the loan. Thanks to them for helping me getting the procedure done fluently.
    Stewart Thomson
    Stewart Thomson
    06:40 25 Jan 21
    Here to thank them as they got me the FHA loan. For a very long time, I wanted to purchase my own home but wasn’t able to do that. Then I contacted them to get the home loan.
    Linda Nelson
    Linda Nelson
    08:28 15 Jan 21
    Theresa Reid
    Theresa Reid
    19:08 06 Jan 21
    Would highly recommend PierPoint Mortgage!!!A couple of weeks back, I got a USDA loan from them. This entire company and its staff are literally amazing. Kudos to them!!!!!!!!!
    John Saenz
    John Saenz
    09:33 06 Jan 21
    They are very responsive and attend the call when I need their assistance. I wanted to get a conventional loan and that’s why I had a session with their advisor who told me a lot of things about it and also helped me come across the right mortgage program.
    Peter McDonald
    Peter McDonald
    10:31 31 Dec 20
    This company is no less than a blessing to me. I had a lot of peer pressure of buying a new house because all my siblings are homeowners and I was the only one living in a rented apartment. I thought of getting a mortgage and this is the company that helped me. I got in touch with them. They had a look at my case and suggested me to go for a conventional loan. I am very positive about my application and it will be approved very soon because their guidance was simply outstanding.
    Ronald Spillman
    Ronald Spillman
    10:23 18 Dec 20
    They are the best among all mortgage firms. The work done by them is downright honest and transparent in every way. I will definitely suggest their services to everyone.
    Heylmeck Zona
    Heylmeck Zona
    10:18 21 Jul 20
    Wonderful experience! I am grateful to the team who helped me to get the mortgage and I started the construction of my place. Just because of them my dream is becoming the reality.
    Julia Morgan
    Julia Morgan
    09:09 25 Jun 20
    My dream of having my own house was fulfilled just with the help of PierPoint Mortgage. The team is super supportive and have a lot of knowledge that was a big helping point.
    Samantha Martin
    Samantha Martin
    13:17 09 Jun 20
    Overall, the PierPoint team made the home buying process super easy & as stress-free as possible. They were prompt & thorough with their responses and very easy to work with.
    Keith Molly
    Keith Molly
    12:26 29 Jan 20
    Shannon and his team were outstanding throughout the entire process. We highly recommend Shannon and will be calling him when we are ready for our next home!
    Alison Rabenson
    Alison Rabenson
    09:39 28 Jan 20
    Prompt service, excellent explanation of options, great team PierPoint Mortgage have!
    Maysa Root
    Maysa Root
    06:31 28 Jan 20
    Shannon made the process incredibly easy for me. We debated between three major lenders, and his rate was the best. Aside from that, his service was exceptional. He was always available for help or to answer questions. He's easy-going and knowledgeable.
    Haiely Parry
    Haiely Parry
    05:16 27 Jan 20
    Shannon did a fantastic job. He was extremely transparent and was very efficient and highly responsive. He worked hard and everything was accomplished as he promised. I will work with him in the future too if the need arrives.
    faith watson
    faith watson
    05:49 23 Jan 20
    PierPoint Mortgage has a great team working for us. The people and their decision making are strong, and I would recommend others to try Shannon as their financial advisor. You are surely getting some benefits immediately.
    Nell Lee
    Nell Lee
    09:23 08 Jan 20
    I was hesitant at first when thought of contacting Shannon about my mortgage plans. But trust me today I am happier & thankful to Shannon for guiding me throughout that time & making the best plans for me.
    Harriot Gibson
    Harriot Gibson
    07:39 09 Dec 19
    Shannon and PierPoint team were excellent to address. We cannot thank them enough. They did a superb job getting us our first time loan. Massive thank you!!!
    eduard dach
    eduard dach
    10:06 14 Nov 19
    The whole process from general inquiry to mortgage application was a quick process and clear process. Shannon clearly explained the mortgage process and my options and made all the jargon for a first buyer easy and straight forward to understand. I also really liked how well Shannon kept me up to date with the progress of the application. I would highly recommend this amazing free service PierPoint Mortgage provides!
    Eddie Hart
    Eddie Hart
    13:30 12 Nov 19
    We found our best deal with PierPoint Mortgage. Thanks to Shannon. Recommended!
    Bobby Harms
    Bobby Harms
    10:27 06 Nov 19
    Professional team and Shannon is a best agent I have so far worked in this business. Overall a great experience with Pierpoint Mortgage.
    Chi Peter
    Chi Peter
    13:36 05 Nov 19
    Hassle-free, professional and friendly. Shannon from PierPoint Mortgage was a great guide, highly cooperative, enormously kind and remarkably spontaneous...Wish I'd done all my mortgages through PierPoint Mortgage!
    Consuelo Eccleston
    Consuelo Eccleston
    09:24 28 Oct 19
    PierPoint was just amazing when it came to my very difficult situation. They were kind and compassionate and the people working there really do care. Everything was easy to understand and they were able to get me and my daughter into our new home just before Christmas 🙂
    dk l
    dk l
    16:52 23 Aug 19
    Shannon and his team were just the best. I cant tell you how many times i had called with questions that, in retrospect, i could have just looked up myself, but they were always so friendly and eager to give me more than enough info on each question i had. Plus, it was so cool that the owner of the freaking company helped me with my mortgage! I am def. going to refer them to anyone i know who needs a pr-apporoval
    wilfre dobenderYaf
    wilfre dobenderYaf
    14:44 23 Aug 19
    Shannon was very attentive and responsive to all calls and texts. He understood the urgency of closing on our mortgage on time and made it happen in the time allotted. I would work with him again if needed.
    Monte Calvin
    Monte Calvin
    18:54 31 Jan 19
    Shannon was an amazing Loan Officer. I would definitely recommend him to anyone looking to buy a house. He is easy to get a hold of and very friendly.
    Henry Hemerez
    Henry Hemerez
    19:35 30 Jan 19
    Great communication and they are super straightforward with you. My loan closed on time! Thank you PierPoint Mortgage
    Justin Adamey
    Justin Adamey
    20:35 28 Jan 19
    Thank you Shannon at PierPoint Mortgage for helping us get our home loan. We are very pleased with the service we were provided and would definitely recommend Shannon to anyone in the market to buy a house.
    Maria Conrad
    Maria Conrad
    20:21 28 Jan 19
    Shannon made buying our first home very simple and stress free! The mortgage loan closed within just a few weeks and we are already moved in! Thank you so much to Shannon and his hard-working team.
    Louise Casey
    Louise Casey
    19:58 23 Jan 19
    I am so thankful for PierPoint Mortgage. We finished refinancing right before the holidays, best decision we have every made!
    Connie Sighz
    Connie Sighz
    19:55 17 Jan 19
    Shannon is a great loan officer! He was with me every step of the way and got everything processed quick. I am so lucky to have had a loyal person by my side throughout the purchase of my new home.
    Danny Larson
    Danny Larson
    20:01 16 Jan 19

    We Are Here To Help You

    Our Tulsa, Oklahoma Office

    With 50 years of experience in the industry, PierPoint Mortgage is offering the finest mortgage services. We deal in various mortgage programs that will help you become a proud homeowner.

    Address
    7122 S Sheridan Rd Ste 1008,
    Tulsa, OK 74133
    918-992-7511
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    ABOUT US

    PierPoint Mortgage, LLC, was founded in 2003 and had been offering brilliant services ever since. It is a nationwide mortgage broker that has over 50 years of mortgage experience.

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